Wealth Management

Planning Services

Establish financial goalsWe’ll help you rank them in order of importance.

Gather relevant dataWe’ll ask you questions about income, expenses, assets and liabilities, and then determine your investment preferences and tolerance for investment risk.

Analyze the dataWe’ll help you identify strengths and weaknesses in your investment holdings and strategies to determine where you are now in relationship to your goals.

Develop a planWe’ll project your future income, spending, rates of inflation, rates of return on your assets, life expectancy, and tax rates. Then we’ll offer alternative strategies and help you evaluate them.

Implement the planYour plan will clearly identify implementation timeframes and action steps for you and your Bremer team. Legal or accounting professionals may be consulted to address the implications of your plan.

Asset ManagementReview your current investments and determine the most appropriate asset allocation based upon your objectives and tolerance for risk.

Education PlanningProject your future education costs and show you how to fund this objective through various savings and investment vehicles.

Retirement PlanningEstimate the amount of income you will need to pay for the retirement lifestyle you have envisioned; determine if you will be able to generate this income stream through your current investment strategy or if you need to explore other options.

Insurance PlanningDetermine how much replacement income you will need ― in the event of disability or death ― to ensure that your family maintains its current standard of living; assess whether you have adequate coverage for property damage or personal liability, and discuss long-term care options.

Estate PlanningEstate planning professionals will suggest strategies to make sure your assets are distributed according to your wishes, while reducing potential estate taxes.

Charitable PlanningExplore charitable strategies and work with your legal and tax advisers to create a plan that allows you to leave assets to charitable organizations and still provide for your family.

Products and services offered through Bremer Insurance and Bremer Trust are not insured by FDIC, are not a deposit or other obligation of, or guaranteed by, the depository institution, and are subject to investment risks including possible loss of the principal amount invested.

The services of Bremer Investment Management & Trust are not affiliated with Raymond James Financial Services, Inc.